• These Terms and Conditions relate to Breeze Jersey services and are supplemental to the Bank’s General Terms and Conditions relating to banking with Standard Chartered Bank, Jersey Branch. If there is an inconsistency between the General Terms and Conditions and these Terms and Conditions, the latter will prevail to the extent of any inconsistency. These Terms and Conditions replace all earlier Breeze Jersey terms and conditions. By accessing and using the Breeze Jersey services the Client will be deemed to have read and accepted these Terms and Conditions. To the extent permitted by law and regulation, the Bank may amend and change these Terms and Conditions by giving 30 calendar days prior notice to the Client. After the Client receives notice of an amendment of these Terms and Conditions the Client’s continued use of the Breeze Jersey services will be deemed acceptance of such amendment.
• These Breeze Jersey Terms and Conditions, defined terms shall have the same meaning as described in the Bank’s General Terms and Conditions. Additionally:
  • ‘Password’ means the confidential personal password set by the Client after the first login using the OTP (One Time Password) sent from the Bank, to the Client for the purpose of accessing the Breeze Jersey services for the first time
  • ‘User Name’ means the unique identification User Name which the Bank issues to the Client for accessing the Breeze Jersey services. This is changed upon first login by the Client.
• The Breeze Jersey services includes any of the current services that the Bank is willing to provide online as notified to a Client in conjunction with a Client’s accounts.
• Whilst the Bank will use all reasonable endeavours to make the Breeze Jersey services available it does not warrant nor guarantee that the Breeze Jersey services will always be available. The Client will be considered by the Bank to be an authorised user of the Breeze Jersey services and to carry out transactions in relation to the Client’s accounts with the Bank from time to time if the Client accesses the Breeze Jersey services, having successfully identified themselves by signing into the system using their secure personal login information.
• Repeated erroneous attempts to login to the system may result in the Client being locked out of the Breeze Jersey services. At this time the Client must contact the Bank.
• The Client agrees to undertake and comply with the following:
  • Change their User Name and Password on a regular basis and when prompted or requested to do so.
  • Take all reasonable and necessary measures to prevent unauthorised use of the Breeze Jersey services and to comply strictly with the security procedures notified by the Bank from time to time.
  • Not to disclose or share their User Name or Password.
  • Keep their password and other means of personal identification relating to the Breeze Jersey services secret and to take all reasonable steps to prevent their unauthorised use.
  • Keep at all times their password and other means of personal identification secure and separate from related bank cards, account numbers and other codes relating to accounts and transactions with the Bank.
  • Immediately notify the Bank if the Client becomes aware of, or suspects that there has been, any unauthorised access to or use of the Breeze Jersey services or of the Client’s personal identification data or if the Client believes such personal identification data, has been lost or stolen.
  • Provide the Bank with any reasonable assistance it may require in making such security checks it considers necessary.
  • Log out of the Breeze Jersey services when leaving the computer unattended.

• The Client acknowledges and agrees that:
  • The Breeze Jersey services is intended to be offered only to Clients in countries or jurisdictions where they may lawfully be offered by the Bank.
  • Access to the Breeze Jersey services may be prohibited or restricted in certain countries or jurisdictions and it is the Client’s responsibility to establish whether such prohibitions or restrictions apply to the use by the Client of the Breeze Jersey services and to observe any such prohibitions or restrictions.
  • The Breeze Jersey services are not to be regarded as either an offer or solicitation to take deposits from, or to sell investments to any person to whom it is unlawful for such offer or solicitation to be made or an offer or solicitation to take deposits or to sell investments in any jurisdiction in which it is not lawful to make such offer or solicitation or where the entity making the offer or solicitation is not qualified to make it.
  • In accessing the Breeze Jersey services, it will be deemed that the Client is specifically requesting details of the products and services provided by the Bank and is further required to inform him/herself about and observe any relevant restrictions.
  • Provided that any such instructions are supported by the authentication methodology used by the Online Banking services, and do not exceed any specified parameters, the Bank need take no further steps to confirm the identity or good faith of the person giving such instructions and it shall be entitled to carry out the actions pursuant to such instructions.
  • The Bank is authorised, but not obliged, to accept and act upon instructions in connection with a Client’s account received via its Breeze Jersey services.
  • Provided that any such instructions are supported by the authentication methodology used by the Breeze Jersey services, and do not exceed any specified parameters, the Bank need take no further steps to confirm the identity or good faith of the person giving such instructions and it shall be entitled to carry out the actions pursuant to such instructions.
  • The Bank will not be obliged to accept or act upon any instruction if to do so would require action by, or information from the Bank, when it is not a day upon which its offices are open for the transaction of ordinary bank business or which would cause a breach of any other existing agreement between a Client and the Bank. Messages received for onward transmission to other offices of the Group will be forwarded within normal business hours but the Bank and other Group offices will have no liability for any losses incurred as a result of any delay in the transmission of the message.
  • Once a Client has sent an instruction it is irrevocable. At a Client’s request or at its discretion the Bank may where practicable try to cancel or reverse transactions but it will have no obligation to do so. The Bank shall, at the Client’s request, use its reasonable endeavours to recover any money paid but accepts no responsibility or liability for doing so nor for any loss or damage caused or suffered as a result of the Bank having acted upon such instructions.
  • Any loss incurred as a result of the Bank relying upon such instructions howsoever caused and whether direct or indirect shall not be the Bank’s responsibility.
  • In all circumstances the Client will indemnify the Bank and keep it indemnified against all liabilities, losses, costs, damages, expenses, demands, proceedings, claims and actions the Bank may suffer or incur (including all legal and other costs, charges and expenses which it may incur) of whatever nature howsoever arising as a result of acting on the Client’s instructions, or instructions on purporting to have been issued by the Client. The Client agrees this indemnity shall apply to all transactions relating to the Breeze Jersey services.
  • The Client does not own any rights in any other materials or documentation (‘Materials’) which the Bank may supply to the Client on any media pertinent to the use or provision of the Breeze Jersey services.
  • Copyright in the page screens, information and Materials and in their arrangement included in this website is owned by or licensed to the Bank unless otherwise noted. The Client may imprint, copy, download or temporarily store extracts from the website for the Client’s personal information or when the Client uses our products and services. The Client must not alter anything. Any other use is prohibited unless the Client first obtains the Bank’s permission. In particular no one may use a part of the website on any other website, or link any other website to this website, without the Bank’s prior written permission.
  • The Client will not sell or otherwise transfer any of the Software or Materials to, or share its use with, any third party or copy it except as expressly permitted above without the Bank’s prior written consent.
  • The Client will not decompile, reverse engineer or modify the Software, or allow anyone else to do so.
  • The Client will keep the Software and Materials and all information relating to the Breeze Jersey services secure and confidential and will indemnify the Bank (and its suppliers) for any loss resulting from its failure to do so.
  • The Bank reserves the right to replace, modify or withdraw any Software or Materials at any time.
  • The Client acknowledges that the data protection policy set forth below will apply to the Client’s use of the Breeze Jersey services.
• The Client agrees to:
  • Only use the Breeze Jersey services for the purposes described and stipulated by the Bank from time to time.
  • Ensure that all instructions given are correct, complete and authorised. The Bank may (but will not be obliged to) inquire about or attempt to verify the authenticity of any instructions.
  • Comply with all laws and regulations which apply to the Client’s use of the Breeze Jersey services and transactions entered into through the Breeze Jersey services.
  • Maintain at their own expense the hardware, software and systems capability necessary for the Breeze Jersey services.
  • Comply with all terms and conditions and instructions relating to the use of the Client’s account with the Bank;
• The Bank does not guarantee that any electronic secure mail or messaging will be sent to Clients or received by it, nor does the Bank warrant the privacy and/or security of electronic secure mail or messaging during transmission (other than by cause of its gross negligence or wilful default) and the Bank cannot guarantee or accept liability for the integrity of the means of electronic transmission, other than by reason of its gross negligence or wilful default.
• The Bank reserves the right to suspend or withdraw the Breeze Jersey services or any part of it at any time and/or to suspend or to terminate any Client’s use of it. The Bank will usually give the Client 30 days notice. The Bank may give the Client less or no notice if it considers it necessary, for example because of security concerns or because of unauthorised overdrafts or other breaches of arrangements with the Bank. Such termination of the Breeze Jersey services shall not in itself, terminate or affect the relationship between the Client and the Bank. Termination of the Breeze Jersey services will not affect any accrued rights or liabilities. Terminating the use of the Breeze Jersey services will not affect instructions already given. The Client may cancel the Breeze Jersey services by notifying the Bank.

• The Bank will need to collect certain information about the Client from time to time in order to transact business with the Client.
  • This information will be used by the Bank for the following purposes:
    • to provide the banking, financial or investment services requested by the Client;
    • to verify the identification of the Client in connection with the maintenance of their accounts or provision of financial services;
    • to deal with the day to day administration of accounts, provision of financial services to the Client and updating and enhancing the Bank’s records;
    • to obtain or provide credit references to assess the creditworthiness of the Client;
    • to identify and assess the Client’s needs so that appropriate products and services are offered and provided;
    • to maintain the relationship with the Client and for marketing purposes;
    • for security, regulatory and compliance monitoring and internal control purposes (e.g. internal audit);
    • for the prevention or detection of crime (including, without limitation, money laundering, fraud and terrorism), or for debt collection purposes; and
    • to comply with the Bank’s legal and regulatory obligations.
  • Most of the information about the Client that the Bank maintains on its records will be supplied by the Client. However, the Bank may on occasions obtain information about the Client from other sources and the Bank will, where possible, advise the Client of this. The Bank may make searches about the Client at credit reference agencies for purposes of identity verification, credit assessment, fraud and crime prevention or debt collection. Further checks may be made from time to time. Credit reference agencies record details of searches and default information, which other financial institutions may access for their own purposes. The Bank and credit reference agencies may link client information to records relating to other persons with whom the client has a financial relationship. (This link will remain until the Client or other person files for disassociation when the financial link is no longer appropriate.) The Client has the right to access details held by United Kingdom and Jersey credit reference agencies. The Bank will supply details of the relevant credit reference agencies upon request.
  • The Client’s information will be kept confidential. However, for the purposes detailed above, information about the Client may be disclosed to:
    • the Standard Chartered Group and any Standard Chartered Group Member;
    • any financial institution, agent, third party security provider or professional advisor with which the Client has or proposes to have dealings;
    • any agent, contractor, third party service supplier, professional advisor, rating agency, insurer or insurance broker of, or any other person acting under a duty of confidentiality to the Standard Chartered Group or any Standard Chartered Group Member;
    • any actual or proposed participants or sub-participants in, assignees, novatees or transferees of, any of the Standard Chartered Group’s or any Standard Chartered Group Member’s rights in relation to the Client;
    • any third party holding the Client’s investments;
    • credit reference and fraud prevention agencies, and;
    • any court, tribunal, regulatory, supervisory, governmental or quasi-governmental authority with jurisdiction over the Standard Chartered Group or any Standard Chartered Group Member, or its service providers, or any person to whom they are required or authorised by law or court order to make such disclosure.
  • In some cases, the recipient of the Client’s information may be based in countries outside the European Economic Union that do not have data protection laws equivalent to those in Jersey (including, without limitation, India, Hong Kong and Singapore). The Bank will use best endeavours to ensure, however, that any information that they disclose about the Client will be kept confidential, secure and used only for the purposes mentioned, subject to the Bank’s General Terms and Conditions.
  • If relevant, the Client represents and warrants to the Bank that the Client has all the necessary and relevant permissions of all relevant data subjects (including Authorised Signatories) to carry out the processing of personal data that this Clause contemplates, including any transfer of personal data outside Jersey.
  • In common with other banks, this Bank has to process payments (including sterling payments) to and from the Client’s accounts through other entities including other banks and operators of financial payments systems. These entities may process or store the payment information in other countries whose laws and regulations require disclosure of the payment details, including names and addresses and other sender and beneficiary details, to governmental and regulatory authorities for the purpose of fighting crime and terrorism. The Client may in certain circumstances request the Bank to provide substitute information instead of address details to payment service providers.
  • The Client’s information will be retained by the Bank for so long as there is a business need to hold the information or as required by legal, accounting or regulatory requirements or to protect the Standard Chartered Group’s or any Standard Chartered Group Member’s interests.
  • The Bank may record some of the Client’s or the Client’s agent’s telephone calls with certain departments in order to record transactions. In the interests of security, the Bank may use CCTV recording equipment in and around their premises. Any such recordings may be used by the Bank as evidence in the event of a dispute.
  • To improve the Bank’s Breeze Jersey services to the Client, it will occasionally use a `cookie’. A cookie is a small amount of data the Bank’s web server sends to a Client’s web browser when the Client visits certain parts of the Bank’s website, the use of which is intended to help the Bank to understand the Client’s interest in its website.
  • In accordance with data protection legislation, the Client is entitled to request access to the Client’s information, to instruct the Bank to correct or delete information which is inaccurate, to be told by the Bank what they use it for and from where they obtain it. A small fee may be charged.
  • If the Client has any queries about the use of their information by the Bank or wish to access their information, contact: The Data Protection Officer, Standard Chartered Bank, Jersey Branch, PO Box 80, 15 Castle Street, St Helier, Jersey, JE4 8PT, Channel Islands.
• In submitting an application for the Breeze Jersey services, each Client holding a joint account confirms that the other joint account holder(s) consent to the Client to access the joint accounts via the Breeze Jersey services. However, the Bank will end use of the Breeze Jersey services immediately on all of the Client’s accounts if any joint account holders notify the Bank:
  • they never consented to the Client’s application for the Breeze Jersey services (in which case the Client agrees to indemnify the Bank for any costs or losses that the Bank incurs as a result);
  • the joint account can no longer be operated on the Client’s instructions alone; or
  • they will no longer let the Client operate the joint account using the Breeze Jersey services.

• So far as the law permits, no representation or warranty is made, or implied, as to the accuracy or completeness of any information on this website or on which this website, or any information on it, is based. The Bank has taken all reasonable steps to ensure the information on the website is accurate and up to date but we give no warranties express or implied with regard to currency or accuracy of such information. The information on the website does not take into account Client’s individual circumstances. Each Client should seek professional advice about the appropriateness of entering into any of the investments referred to on the website. Such advice should include advice on their tax positions. Past performance is not a guide to future performance and no representation or warranty is made as to future performance of any of the investments mentioned on this website. Nothing on the website shall be relied on as a promise or a forecast.
• Where the Bank provides hypertext links to other locations on the Internet, it does so for information purposes only. The Bank is not responsible for the content of any other websites or pages linked to or linking to this website. The Bank has not verified the content of any such websites. Following links to any other websites or pages shall be at the Client’s own risk and the Bank shall not be responsible or liable for any damages or in any other way in connection with linking. Links to downloadable software sites are for convenience only and the Bank is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the Bank’s website.
• Breeze Jersey services are governed by and shall be construed in accordance with the laws of the Island of Jersey and any disputes shall be subject to the non-exclusive jurisdiction of the Jersey Courts, to which the parties submit for the benefit of each other.

The Jersey Branch of Standard Chartered Bank is regulated by the Jersey Financial Services Commission. Copies of the latest audited accounts of Standard Chartered Bank are available from its principal place of business in Jersey: PO Box 80, 15 Castle Street, St Helier, Jersey JE4 8PT.

Jersey is not part of the United Kingdom and all business transacted with Standard Chartered Bank, Jersey Branch and other Standard Chartered Group Offices outside of the United Kingdom, are not subject to some or any of the investor protection and compensation schemes available under United Kingdom law.

Standard Chartered Bank is incorporated in England with limited liability by Royal Charter in 1853 Reference Number ZC 18. The Principal Office of Standard Chartered Bank is situated in England at 1 Basinghall Avenue, London, EC2V 5DD. Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. The Jersey Branch of Standard Chartered Bank is also an authorised financial services provider under license number 44946 issued by the Financial Services Board of the Republic of South Africa.

The Jersey Branch of Standard Chartered Bank is a participant in the Jersey Banking Depositors Compensation Scheme. The Scheme offers protection for eligible deposits up to £50,000. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website (www.gov.je/dcs) or on request.